Operating
Repair and denial reserve
Ready Capital Repair and denial reserve decreased by 89.4% to $354.00K in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 57.0%, from $823.00K to $354.00K. Over 3 years (FY 2021 to FY 2025), Repair and denial reserve shows a downward trend with a -21.3% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementCash Flow Statement
SectionOperating
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2018
Last reportedQ1 2026May 8, 2026
How to read this metric
An increase in the reserve suggests higher expected operational costs or increased risk of claim denials.
Detailed definition
This reserve represents funds set aside to cover potential costs related to property repairs or claims denials in the le...
Peer comparison
Specific to lenders and servicers; peers with similar loan portfolios will maintain comparable reserve methodologies.
Metric ID:
operating_increase_decrease_in_repair_and_denial_reserveHistorical Data
18 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $4.03M | $0.00 | $4.12M | -$2.19M | -$1.42M | -$3.65M | -$1.62M | $199.00K | -$1.14M | -$2.10M | -$830.00K | $1.07M | $103.00K | $823.00K | $335.00K | $469.00K | $3.34M | $354.00K |
| QoQ Change | — | -100.0% | — | -153.3% | +35.2% | -156.9% | +55.8% | +112.3% | -674.4% | -83.6% | +60.4% | +228.6% | -90.3% | +699.0% | -59.3% | +40.0% | +612.6% | -89.4% |
| YoY Change | — | — | — | — | -135.3% | — | -139.2% | +109.1% | +19.6% | +42.5% | +48.6% | +436.2% | +112.4% | -22.9% | — | — | >999% | -57.0% |
Range-$3.65M – $4.12M
CAGR-43.6%
Avg YoY Growth+323.5%
Median YoY Growth+42.5%
Repair and denial reserve at Other Companies
Frequently Asked Questions
- What is Ready Capital's repair and denial reserve?
- Ready Capital (RC) reported repair and denial reserve of $354.00K in Q1 2026.
- How has Ready Capital's repair and denial reserve changed year-over-year?
- Ready Capital's repair and denial reserve decreased by 57.0% year-over-year, from $823.00K to $354.00K.
- What is the long-term trend for Ready Capital's repair and denial reserve?
- Over 3 years (2021 to 2025), Ready Capital's repair and denial reserve has grown at a -21.3% compound annual growth rate (CAGR), from $10.21M to $4.97M.
- What does repair and denial reserve mean?
- Changes in the reserve for expected costs of property repairs or claim disputes.